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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $62,736 | $74,535-15.8% | $100,712-37.7% | $82,637-24.1% |
| Participation rate | 100.0% | 61.2%+38.8pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 13.27% | 18.92%-5.7pp | 33.27%-20.0pp | 53.51%-40.2pp |
| Employer contribution / active EE | $124 | $1,503-91.8% | $2,313-94.6% | $2,552-95.1% |
| Participant deferral / active EE | $2,477 | $3,074-19.4% | $4,085-39.4% | $4,126-40.0% |
| Admin fee / account holder | $6,122 | $6,576-6.9% | $9,256-33.9% | $7,339-16.6% |